how does medicare work when you are still working?

Direct answer

It depends on the size of your employer; if your company has 20 or more employees, your group health plan typically acts as the primary payer, while Medicare becomes the secondary payer.

Centers for Medicare & Medicaid Services (CMS) guidelines regarding employer health plan coordination. For additional information about how your coverage works while you are still employed, see the Medicare.gov official resource page.


What this means for you

It depends on the size of your employer; if your company has 20 or more employees, your group health plan typically acts as the primary payer, while Medicare becomes the secondary payer.

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